12 CFR 369.3 - Loan-to-deposit ratio screen.

§ 369.3 Loan-to-deposit ratio screen.
(a) Application of screen. Beginning no earlier than one year after a covered interstate branch is acquired or established, the FDIC will consider whether the bank's statewide loan-to-deposit ratio is less than 50 percent of the relevant host State loan-to-deposit ratio.
(b) Results of screen. (1) If the FDIC determines that the bank's statewide loan-to-deposit ratio is 50 percent or more of the host state loan-to-deposit ratio, no further consideration under this part is required.
(2) If the FDIC determines that the bank's statewide loan-to-deposit ratio is less than 50 percent of the host state loan-to-deposit ratio, or if reasonably available data are insufficient to calculate the bank's statewide loan-to-deposit ratio, the FDIC will make a credit needs determination for the bank as provided in § 369.4.
[62 FR 47737, Sept. 10, 1997, as amended at 67 FR 38848, June 6, 2002]

Title 12 published on 2014-01-01

no entries appear in the Federal Register after this date.

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